Debt collectors don’t always respect the law when they want your money. They will call you at work, reveal information about the debt to your family or co-workers, or yell at you over the phone. None of it is legal, so read on to learn more about your rights.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, dictates what a collection agency can and cannot do when communicating with you about a debt. Below are some examples of collection behaviors that remain illegal.
● Using profane or obscene language
● Contacting you directly even after you’ve hired an attorney
● Leaving voice messages that do not identify the collector and the reason for their call
● Misleading you on your dispute rights
● Calling you outside of the hours of 8:00 a.m. – 9:00 p.m.
● Reporting inaccurate information to the credit bureaus
Company Profile: VeriFacts, Inc.
If you are being called by VeriFacts, Inc., more details about the company are below.
VeriFacts, Inc. is a debt collection agency located in Stirling, Illinois. It was established in 1987, has 140 employees, and is managed by James Gabler. According to the company’s website, it specializes in skip tracing. Legal documents archived at the PACER website confirm that consumers who believed that they were being harassed by VeriFacts, Inc. went to court to assert their rights.
Alleged Violations against VeriFacts, Inc.*
According to information on the PACER website, in or around early 2012, VeriFacts, Inc. allegedly started trying to collect a debt from a Minnesota consumer. He complained that the company pulled his credit report without authorization and called his cellphone at a harassing rate, often using an autodialer.
Feeling harassed by VeriFacts, Inc., the consumer hired an attorney and sued the company for allegedly violating his rights by:
● Using false, deceptive, and misleading means to collect a debt
● Using harassing and abusive means to collect a debt
● Failing to identify itself as a debt collector in all communications
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection company are:
If either number appears on your caller ID, be aware that VeriFacts, Inc. is trying to collect a debt from you. If they pull your credit report without authorization and interrupt your day with routine autodialer calls, hire a consumer lawyer and file a claim against VeriFacts, Inc.
*Case taken from PACER (www.pacer.gov). File number is CASE 0:13-cv-02839-JNE-FLN from the United States District Court for the District of Minnesota.
Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against VeriFacts, Inc. or any other third-party collection agency, you may not be entitled to any compensation.